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Guidance for customers impacted by properties with potentially unsafe external wall systems

6th April 2021

Following newly published guidance by RICS, we’ve set out our approach for new and existing customers impacted by potentially unsafe EWS, including cladding and balconies.

Guidance for existing customers

We are here to support our existing customers who have a mortgage on a property that is impacted by potentially unsafe external wall systems. When their current mortgage deals ends we will offer a new mortgage product, just as we always would.

For changes to an existing Clydesdale mortgage, we will assess each case based on individual circumstances. As a responsible lender, any applications for additional borrowing from customers impacted by unsafe EWS will be carefully considered before a decision is made.

Guidance for new customers

We will consider applications from customers looking to buy or remortgage a property impacted by potentially unsafe EWS. As a responsible lender, any new lending applications will be carefully considered before a decision is made.

The Bank’s valuers will advise when a completed External Wall Fire Review form (EWS1 form) is required in line with RICS guidance. This form will confirm that the EWS has been assessed for safety by a suitable expert, and enable us or our valuers to identify whether the case can be progressed (with an A1, A2 or B1 rating). Where a valuer has fire safety concerns with a building, the property will be declined until we or our valuers have seen an acceptable EWS1 form.

The form must be fully completed, signed and uploaded to the online Building Safety Portal which is hosted by the FIA. It's the responsibility of the building owner to provide the form, and ensure the signing firm is a member of one of the appropriate professional bodies. Clydesdale Bank and our surveyors are not responsible for the information that is captured within the EWS1 form. We will only accept EWS1 forms which are completed and held on the portal. They should not be sent to us.

For more information about EWS, please refer to the FAQs provided by RICS.

If you have any questions about how we can support customers, please get in touch with your Business Development Manager.

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